Post on 10-Feb-2017
AHP Online: Guide for Sponsor Applicants
2017
Table of Contents
AHP Online: Guide for Sponsor Applicants 2017
1
Introduction ...................................................................................................................................................... 4
Glossary ............................................................................................................................................................. 5
Helpful Hints for Entering an AHP Online Application ...................................................................... 6
AHP Participant Registration...................................................................................................................... 8
User Profile ..................................................................................................................................................... 14
Setup ....................................................................................................................................... 14
Edit Profile ................................................................................................................................ 21
Initiate Application ...................................................................................................................................... 24
My Applications ............................................................................................................................................. 32
Application Status ...................................................................................................................... 33
AHP Online Application Process .............................................................................................................. 34
General Information ................................................................................................................... 33
• Application Details: Application Information ........................................................................................... 34
• Application Details: Site Information ..................................................................................................... 35
• Application Details: Site Parcel Information............................................................................................ 41
• Application Details: Fair Housing .......................................................................................................... 43
• Application Details: Subsidy Amount and Uses of Funds ........................................................................... 44
• Sponsor and Member Information ........................................................................................................ 45
• Member Involvement Information ........................................................................................................ 47
Scoring ..................................................................................................................................... 48
• Donated Property: Donation Information ............................................................................................... 49
• Donated Property: Donated/Discounted Evidence ................................................................................... 50
• Sponsorship by Nonprofit: Ownership Structure—Rental Projects .............................................................. 51
• Sponsorship by Nonprofit: Organization Information ............................................................................... 54
Rental Projects .......................................................................................................... 54
Homeownership Projects ............................................................................................. 55
• Targeting ......................................................................................................................................... 56
• Housing for Homeless Households ........................................................................................................ 57
• Promotion of Empowerment ................................................................................................................ 58
• First District Priority: Special Needs ...................................................................................................... 59
• Second District Priority: In District, Native Housing, Farm Worker Housing ................................................ 60
• Second District Priority: Rental Preservation, Rental New Construction, Homeownership New Construction ...... 61
Continued on page 2
Table of Contents
AHP Online: Guide for Sponsor Applicants 2017
2
• Community Stability ........................................................................................................................... 62
Feasibility. ................................................................................................................................ 64
• Financial Feasibility: Import Spreadsheet .............................................................................................. 65
• Financial Feasibility: Feasibility Analysis ................................................................................................ 67
• Financial Feasibility: Commitment Letters. ............................................................................................. 69
• Financial Feasibility: Rehabilitation Information ...................................................................................... 71
• Displacement .................................................................................................................................... 73
• Sponsor Role .................................................................................................................................... 74
• Primary Developer. ............................................................................................................................ 75
• Development Team. ........................................................................................................................... 76
• Disclosure ........................................................................................................................................ 78
• Market Study .................................................................................................................................... 79
Rental Projects .......................................................................................................... 79
Homeownership Projects ............................................................................................. 81
• Project Timeline................................................................................................................................. 83
Rental ...................................................................................................................... 83
Homeownership......................................................................................................... 85
• Application Home Screen .................................................................................................................... 87
Sponsor Approval ......................................................................................................................................... 88
Member Approval (Completed by the Member) .............................................................................. 90
Exhibits ............................................................................................................................................................ 99
Developer Experience ................................................................................................................. 99
Financial Feasibility................................................................................................................... 100
• Homeownership......................................................................................... 100
• Rental ........................................................................................................ 107
Memorandum of Understanding .................................................................................................. 118
Project Ownership Chart ............................................................................................................ 121
Project Timeline ....................................................................................................................... 122
Construction Cost Calculator . ................................................................................................. 123
Sponsor Experience .................................................................................................................. 128
Continued on page 3
Table of Contents
AHP Online: Guide for Sponsor Applicants 2017
3
Appendix........................................................................................................................................................ 130
Members Accessing AHP Online ................................................................................................ 130
AHP Participants Accessing AHP Online....................................................................................... 130
AHP Online Authorized User Access ........................................................................................... 130
AHP Participant Authorization Recertification for Sponsors ............................................................. 130
AHP Online Minimum Supported System Requirements ................................................................. 131
Privacy Policy ......................................................................................................................... 131
AHP Online: Guide for Sponsor Applicants 2017
Introduction, Glossary, Helpful Hints
4
AHP project sponsors and consultants (“AHP Participants”) who would like to submit an application to the
Federal Home Loan Bank of Des Moines (‘the Bank’) for the Affordable Housing Program (AHP) grant round
must apply through AHP Online, the Bank’s automated application system.
AHP Participants may register before the AHP start date but may not initiate an application until an FHLB Des
Moines member financial institution has agreed to support their AHP application and registered an Authorized
AHP User in eAdvantage. All Bank members and AHP Participants are strongly encouraged to register via
these online systems well in advance of the AHP application deadline to allow sufficient time to properly
develop and assemble the application.
The AHP Participant may complete a registration* in AHP Online but may only initiate an application after
associating it with a registered Bank member. AHP Participants may access AHP Online at
https://ahp.fhlbdm.com or via a link on the Bank’s public website at http://www.fhlbdm.com. See Affordable
Housing Products - Competitive Application & Resources. (See the Appendix for additional instruction).
Members of the Bank that would like to support an application must first access eAdvantage, the member’s
exclusive integrated reporting system to the Bank. Members must have an established eAdvantage User
Administrator to access that system. The eAdvantage User Administrator must assign at least one staff person
of the member as an Authorized AHP User (see the Glossary) in order for an AHP Participant to initiate an
application in AHP Online.
For assistance, please contact Community Investment at 800-544-3452, ext. 1173.
Pursuant to the Code of Federal Regulations (12 C.F.R. Part 1291) (the “AHP Regulations”), the Affordable
Housing Program Implementation Plan (the “Plan”) sets forth certain policies, guidelines, and requirements
applicable to the Bank’s AHP. The Plan is posted on the Bank’s public website at http://www.fhlbdm.com.
See Affordable Housing Products - Competitive Application & Resources. AHP Participants are encouraged to
review the Plan.
AHP Participants that registered in AHP Online in prior years should not register again. However, if
has been more than 90 days since the AHP Participant has logged in to AHP Online, they will need to
unlock the system to log-in. Call the Service Desk at the Federal Home Loan Bank of Des Moines at
800-544-3452, ext. 1029 to request that the system be unlocked.
AHP Online: Guide for Sponsor Applicants 2017
Introduction, Glossary, Helpful Hints
5
AHP Participant A representative of an AHP Project Sponsor or a consultant registered as an AHP Online User.
Project Sponsor (aka Sponsor) The Project Sponsor is the organization responsible for and conducting the AHP project. Sponsors that are a
nonprofit organization, a state or political subdivision of a state, a state housing agency, a local housing
authority, a Native American Tribe, an Alaskan Native Village, or the government entity for Native Hawaiian
Home Lands are considered in awarding points. Other entities, including for-profits, may sponsor an
application and receive AHP funding but cannot receive points for such sponsorship. The Bank does not
recognize co-sponsors.
Lead Sponsor Contact The Lead Sponsor Contact is an employee of the Project Sponsor organization, or of an entity that wholly owns
and/or controls the Project Sponsor organization, who has the knowledge and authority to respond to inquiries
and make decisions related to this application and project.
At least one (1) and at most two (2) Lead Sponsor Contacts from the same organization must be assigned for
each application.
Input Contact An employee or representative of the Project Sponsor organization, or a consultant or representative of another
organization working with the Project Sponsor to complete an AHP application. The Input Contact may initiate
and complete an AHP application, but is unable to edit contact screens or Sponsor Approve an AHP application.
AHP Online allows at most three (3) Input Contacts for any application.
Consultants and representatives of non-sponsor organizations should always be identified as an Input Contact.
An individual may be identified as an Input Contact for multiple applications.
Member The FHLB member institution identified as the member sponsor and contact. The Member participates in and
supports the application for an AHP project by a Project Sponsor. For an application to be complete it must be
approved by the Member’s AHP Authorized User.
Authorized AHP User (aka Member Contact) A Member Contact is an employee of the Member who is assigned by the Member’s eAdvantage User
Administrator to have AHP Online access, allowing the Authorized AHP User to “Member Approve” an AHP
application. AHP Authorized Users should reference the AHP Online: Guide for Member Applicants, for
further instruction.
eAdvantage The Member’s exclusive integrated reporting system to the Bank. This system contains real-time reporting,
point-in-time Statement reporting, and transaction functions. This system will be used by the Member to
establish an AHP Authorized User, and it will provide the Member access to the AHP Online application
.
AHP Online: Guide for Sponsor Applicants 2017
Introduction, Glossary, Helpful Hints
6
The following items are hints or common mistakes that will help the AHP Participant successfully enter an
application in AHP Online.
The first step for submitting an AHP Online
application is to register each AHP Participant
in AHP Online. Each AHP Participant that
participate in completion of the application must
register. During registration, the Participant must
associate with the organization that employs them. For
example, consultants should associate with their
consulting company. AHP Participants may register by
accessing AHP Online at https://ahp.fhlbdm.com. After
registering, you may initiate an application (as long as
the member sponsor has registered an Authorized AHP
User in eAdvantage).
When you register, you will obtain a UserID
and Password. You will need these to access
your application(s) in AHP Online. Passwords
expire and you will be locked out of AHP Online after
90 days of inactivity. If it has been 90 days since you
logged in to AHP Online, you must contact the Service
desk at the FHLB Des Moines to unlock the system.
Call 800-544-3452, ext. 1029 for assistance. After
unlocking the system, you will be prompted to change
your password when you log in.
When initiating an application you will be
prompted to identify yourself as a Lead
Sponsor Contact or Input Contact. If you are a
consultant, you must be identified as an Input Contact
and associated with your consulting company.
The Lead Sponsor Contact can add or change
contact or organization information within the
application and then, at the end of the process,
“Sponsor Approve” an application. Input Contacts can
complete certain parts of the General Information
section and the Scoring and Feasibility sections of an application but cannot Sponsor Approve an application.
Save each page on which you have entered/
changed data before moving on to the next
screen. Information not saved is lost.
You will be automatically logged out of AHP
Online after 30 minutes of inactivity. This
inactivity period includes any non-input action
such as moving from screen to screen or saving a page.
For an attachment that includes multiple
documents, it is recommended that you save all
documents in a ZIP file or scan all documents
into one PDF file and attach that single ZIP or PDF file
to the application.
Each attachment name should include the application number assigned by the system, the project name, and
the type of document (for example: 3001_Park
Homes_Market Study).
Acceptable formats for attachments include PDF, ZIP,
DOC, and XLS. The size limit for any attachment is 12
megabytes.
ZIP code lookup information is included in
AHP Online. Applicants should use the USPS
“Look Up a ZIP Code” tool to verify the ZIP+4
code for the project location.
Do not press the Back button or arrow,
typically located in the top-left corner of your
browser, as this will create a system error. To
move through the application, follow the guides
on the bottom-left and bottom-right corners of the
screen.
Clicking on the symbol will provide
additional information on a category or
question.
If you have created a UserID and used AHP
Online in previous AHP Rounds, do not create a new UserID. For forgotten User ID or
passwords, click on “Forgot your User ID?” or “Forgot
your Password?”. If users are unable to successfully
log in after three attempts, users will need to have their
password reset. Please call the Service Desk at 800-
544-3452, ext. 1029 for password reset.
AHP Online: Guide for Sponsor Applicants 2017
Introduction, Glossary, Helpful Hints
7
Refrain from using smart quotes (“ ”) or
ampersands (&) in the text boxes.
Be sure to read the instructions on the first
tab of the Financial Feasibility Spreadsheet
before completing and uploading it to AHP
Online. The directions need to be followed exactly or
the spreadsheet will not upload.
All fields marked with an asterisk (*) are
required to save a page, and all fields
marked with a black diamond (♦) are required before an applicant may Sponsor Approve an
application.
When navigating between tabs in the
application (General Information, Scoring,
Feasibility, etc.), if you do not click on Save between tabs, the information will be lost.
Each tab should be entered in order, as
skipping around can cause error messages
later in the application entry process.
AHP Online is supported by Internet
Explorer® 8.0 and above.
AHP Online: Guide for Sponsor Applicants 2017
AHP Participant Registration
8
The AHP Online login page may be found at https://ahp.fhlbdm.com. The AHP Online login screen allows an
AHP Participant to register as a user and create a User ID and
password, reset a password, and log in to the application using
their UserID and password.
If users have previously registered, they may enter their User
ID and password. For forgotten User ID or passwords, click on “Forgot your User ID?” or “Forgot your Password?”. If
users are unable to successfully log in after three attempts, users will need to have their password reset. Please call 800-544-3452,
ext. 1029 for password reset.
If this is the first time the AHP Participant is logging in to the
system, he or she will need to register. Click on “Create a User
ID”. The link will bring up the AHP Online User Registration
screen. Make an entry for each of the required fields.
When registering, it is important for users to remember their
User ID and password, as they will need this information to
access their application(s) in AHP Online during and after the
competitive AHP funding round.
Note that passwords expire, and you will be locked out of the
system after 90 days of inactivity. If it has been 90 days since
they last logged in to AHP
Online, call 800-544-3452, ext. 1029 to request that the system
be unlocked. Users will be prompted to change their password
the next time they log in.
Helpful Hint Registration must be completed in one sitting. There is no Save function within the screens.
AHP Online: Guide for Sponsor Applicants 2017
AHP Participant Registration
9
Step 1 An AHP Participant will enter their name and email address to
begin the creation of a User Profile. This person will later be
identified as a Lead Sponsor Contact or Input Contact when an
application in initiated.
Enter name and email address.
Do not use the Internet browser Forward or Back button to
navigate AHP Online.
Instead, always click on Next or Back in AHP Online to navigate
forward or back.
AHP Online: Guide for Sponsor Applicants 2017
AHP Participant Registration
10
Step 2 Select and answer three security questions, which will be used if
the UserID or password is forgotten.
AHP Online: Guide for Sponsor Applicants 2017
AHP Participant Registration
11
Step 3 The Bank’s AHP Services Agreement must be accepted by the
AHP Participant in order to complete the registration process.
AHP Online: Guide for Sponsor Applicants 2017
AHP Participant Registration
12
Step 4 The AHP Participant must choose a Login ID (aka “UserID”)
and password. The password must:
Contain a minimum of eight characters
Begin with an alpha character (a-z)
Contain a minimum of two alpha characters
Contain at least two numeric characters (0-9),
preferably embedded within the password instead of at
the end
Not contain more than two consecutive characters of
the user’s account name
Not be similar to the previous four passwords
Enter the displayed text image and click on Submit.
Passwords must be changed at least every 90 days but no
more often than every 20 days.
Helpful Hint Do not press the Enter key after typing the
displayed text image. If you press Enter, the image will reset and you will not be able to
move forward. Always click on Submit.
AHP Online: Guide for Sponsor Applicants 2017
AHP Participant Registration
13
Step 5 The confirmation screen provides an overview of the registration.
Click on Finish to complete the process.
The screen will close, and the AHP Participant must log in to the
system with their UserID and password.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Setup
14
Once initial registration is complete, log back in to AHP Online.
The first screen that appears will be the User Profile screen,
where the AHP Participant associates with a new or existing
organization.
Important: If the AHP Participant is associated with more
than one organization, they must register as a separate user and create a separate User Profile for use with each organization (for example, a person is serving as Executive Director or is on the staff of more than one Project Sponsor organization that will be making AHP application).
Step 1 Complete the User Profile details in the Edit Profile screen. Fields marked with an asterisk are required.
If the ZIP code is correct but not found after clicking on Lookup,
call Community Investment at 800-544-3452, ext. 1173 to have
the ZIP code added.
Note that the User Profile must be completed in one sitting.
There is no Save function within these screens.
Click on Save to move forward.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Setup
15
Step 2 Select an existing organization or create a new organization.
Organizations in the directory may be Project Sponsor
organizations or consultant organizations.
For existing organizations, the system will search alphabetically
for any part of the name of the organization that is entered. If the
organization is not found, it may help to try other letter
combinations. If the organization has previously been created in
AHP Online, then it will be located in the search. If the AHP
Participant believes an organization should exist in AHP Online
but cannot locate it through a search, please contact Community
Investment at 800-544-3452, ext. 1173.
After locating or creating the organization, the AHP Participant
will be prompted to add the current address information.
Address information is required for all organizations.
Click on Next to move forward.
Helpful Hint Search for an existing organization before creating a new one.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Setup
16
Choose an existing organization from the list the search provides.
Click on Next to move forward.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Setup
17
Step 3 Add or edit the Organization Information, including the correct
address and Services Provided.
Click on Next to move forward.
The AHP Participant must ensure that the ZIP+4 is correct by
checking at USPS.com.
If the ZIP code is correct but not found, call Community Investment at 800-544-3452, ext. 1173 to have the ZIP code
added.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Setup
18
Step 4 Enter the Service Area for the organization.
Click on Next to move forward.
Helpful Hint If problems arise with selecting Yes or No when selecting the state, select a different state, such as
Iowa, and then re-select Illinois. The counties will appear again.
Helpful Hint Click on the state to highlight it, and then click on
the arrow pointing to the right to move the state from the left to the right.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Setup
19
Step 5 Review the Organization Information and click on Submit.
If it is necessary to make a correction, use the Back button located in the lower right-hand section of the page to return to the
Step requiring correction.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Setup
20
Step 6 The last screen is confirmation that the AHP Participant
has successfully associated with an organization.
Click on Finish.
You will be routed to the AHP Online Application where
you may initiate an Application. Before instruction on
initiating an application, instruction will be provided on
editing a User Profile.
Helpful Hint Please note that users cannot go back to the User Profile screen from the Organization screen to correct an error or change information after the
Steps are finished. If a change is needed edit the User Profile in AHP Online from the Profile tab.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Edit Profile
21
The AHP Participant can make changes to their User Profile by
selecting Edit Profile.
The Edit Profile screen allows the User to change name and
address information.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Edit Profile
22
The Change Password screen allows the user to change the
existing password.
Users cannot change their password more than once in a 24-hour
period.
AHP Online: Guide for Sponsor Applicants 2017
User Profile Edit Profile
23
The Change Security Questions screen allows users to choose
different questions or change their answers.
Helpful Hint Always remember to click on Save on the
bottom-right corner of the screen to complete an edit.
AHP Online: Guide for Sponsor Applicants 2017
Initiate Application
24
The next step in the process is to Initiate Application. AHP Participants may initiate as many applications as they plan to
submit for the associated Project Sponsor in the competitive
AHP round.
Input Contacts may initiate an application, but are unable to edit
Lead Contact (Project Sponsor), Input Contact (Project Sponsor
or consultant), or Member Contact information once the
application is initiated. After the application is initiated, only
the Lead Contact can edit that information.
Input Contacts may complete an application on behalf of the
Lead Contact, but cannot Sponsor Approve an application. The
Lead Contact must Sponsor Approve the application.
Helpful Hint After an application is initiated, the Member Contact(s) selected will be able to view the
application in AHP Online. The member will not be able to make edits or Member Approve until
the application’s status is Sponsor Approved.
AHP Online: Guide for Sponsor Applicants 2017
Initiate Application
25
Step 1 Enter project information including Project Type and Activity
Type.
Once an application is initiated, it will not be possible to edit the Project Type or Activity Type. It is important to choose the
correct Project Type and Activity Type for the project during the
Initiate Application process.
The AHP Participant must ensure that the ZIP+4 is correct by
checking at USPS.com. If the ZIP code is correct but not found,
call Community Investment at 800-544-3452, ext. 1173 to have
the ZIP code added.
Click on Next to move forward.
Helpful Hint The Activity Type refers to the project scope, not what the AHP subsidy will be used to fund. The use
of the AHP subsidy is a question asked later in the application process.
AHP Online: Guide for Sponsor Applicants 2017
Initiate Application
26
Homeownership projects must choose either Consumer Driven or Sponsor Driven. These include: Consumer-driven acquisition projects: AHP subsidy is used for new construction, rehabilitation, and/or down
payment and closing cost assistance in connection with a
homebuyer purchase of an owner-occupied unit on the open market.
Consumer-driven rehabilitation projects: AHP subsidy is used for rehabilitation of existing owner-occupied units and
does not involve a homebuyer purchase.
Sponsor-driven new construction or rehabilitation: AHP subsidy is used for new construction, rehabilitation, and/or
down payment and closing cost assistance in connection with a
homebuyer purchase of a unit that has been developed and sold
by the sponsor. The sponsor must be integrally involved in
the project by exercising control over development activities
including the acquisition of land or buildings, the
construction or rehabilitation of owner-occupied units, and
sale of the completed units.
Click on Next to move forward.
The AHP Participant must ensure that the ZIP+4 is correct by checking at USPS.com.
If the ZIP code is correct but not found, call Community Investment at 800-544-3452, ext. 1173 to have the ZIP
code added.
Helpful Hint Make sure the project reflects the correct homeownership driver (consumer or sponsor).
The driver cannot be edited once the
application is initiated.
AHP Online: Guide for Sponsor Applicants 2017
Initiate Application
27
Step 2 Choose the Project Sponsor organization and the contact(s) that
will be the Lead Sponsor Contact. See definition of a Lead
Sponsor Contact in the glossary.
To search for an organization, enter all or part of the organization name. The system will search using the
information the AHP Participant has provided in the User
Profile Setup at registration.
The organization search list includes all types of organizations, including Project Sponsor and consultant organizations. The
Lead Sponsor Contact must be associated with the Project
Sponsor organization.
If the Project Sponsor organization associated with the Lead
Sponsor Contact does not appear in the search list, the AHP
Participant must complete a new registration and create the
organization in the User Profile Setup.
Contacts for the Project Sponsor organization must have
registered as AHP Participants and been associated with the
Project Sponsor organization to appear on the organization’s
contacts list.
The contacts list must eventually include all contacts from
the Project Sponsor organization that will be associated with
the project through its complete life cycle, from application
through project completion and long-term monitoring. Initially
it must include all contacts responsible for application.
From the list select at least one (1) and at most two (2) Lead
Sponsor Contacts.
Click on Next to move forward.
AHP Online: Guide for Sponsor Applicants 2017
Initiate Application
28
Step 3 Enter the Input Contact(s) if there will be person(s) other than the
Lead Sponsor Contact inputting information in AHP Online. Follow
the same directions used to enter the Lead Sponsor Contact on
the previous screen, except that consultant organizations may be
identified as Input Contact.
More than one contact from multiple organizations can be given
an Input Role for an application on this screen.
If there is no need for an Input Contact, click on
Next with no information added.
AHP Online: Guide for Sponsor Applicants 2017
Initiate Application
29
Step 4 Select the Member and Member Contact(s). At least one (1) and
at most three (3) Member Contacts must be chosen to
successfully initiate an application. The Member Contacts must
be Authorized AHP Users from eAdvantage.
To search for a member, enter all or part of the member name.
The system will search using the information the user has provided.
If the Member Contact screen does not list a Member Contact
after searching for one, it is because the member has not
registered an Authorized AHP User in eAdvantage.
An AHP Participant is unable to initiate an application until the
Member identifies an Authorized AHP User.
AHP Participants should contact their member institution to
register an Authorized AHP User in eAdvantage in order to move forward in the application process.
AHP Online: Guide for Sponsor Applicants 2017
Initiate Application
30
Step 5 This screen is an overview of the application information
entered. Review this information and click on Submit.
If changes need to be made, use the Back button on the bottom-right corner of the screen to navigate to the page that needs to be
updated.
AHP Online: Guide for Sponsor Applicants 2017
My Applications
31
Step 6 The last screen of the Initiate Application process is the
Confirmation. Click on Finish. The application will not be
initiated until the user clicks on Finish.
Be sure to complete both the Review and Submit screen and the
Confirmation screen in a timely manner or AHP Online will time
out and the Initiate Application process will need to be started
from the beginning.
AHP Online: Guide for Sponsor Applicants 2017
My Applications
32
The My Applications page is the first screen the AHP Participant
will view once logged in to AHP Online.
This screen allows AHP Participants to locate all initiated
applications with which they are associated.
To view an individual application, click on its Application
Number.
Application Status Pending The application is initiated, but is not complete and has not yet
been Sponsor Approved.
Sponsor Approved The Project Sponsor’s Lead Sponsor Contact has approved
the application and received confirmation of approval via email.
The application is awaiting Member Approval.
Member Approved The member has completed the Member Involvement screens,
reviewed the application, and approved the application. Member Approved status indicates that the application has been
completed and submitted to Community Investment for review.
Only applications with Member Approved status are considered complete and ready for review. The application is read-only for
sponsors and members at this point.
AHP Online: Guide for Sponsor Applicants 2017
AHP Online Application Process General Information
33
Clicking on the individual Application
Number opens the AHP Online
Application Home screen, which provides
an overview of the status of each
application section:
X – Not started
√ – Started, but information is missing
√ – Complete
It is important to complete the tabbed
sections in order. Skipping around may
cause error messages to appear during the
application entry process. If a box under
one tab is not selected, it may not trigger
the necessary boxes to appear under
another tab.
Users may navigate the application by
clicking on the screen links under the
Description column.
AHP Online: Guide for Sponsor Applicants 2017
AHP Online Application Process General Information
34
Application Details: Application Information
The next step in the application process is to enter the
Application Information.
The Project Name is required and should be the same name
entered on the Initiate Project screen. It can be edited before an
application is approved, but not after.
The Project Type and Activity Type are display-only. It cannot
be updated after the application is initiated. If you need to
change either you will need to initiate a new application.
Project Description: The Project Description field must
include information on project type (single-family or multi-family), type of development, unit size, construction type, project amenities, population to be served, and any other special project features.
Save each screen after data entry.
Helpful Hint It may be helpful to draft the project description or other text in a separate
document and then “cut and paste” it into AHP Online; however, the text boxes are limited to
3,000 or 1,000 characters and text longer than that will be truncated. Also, do not use special characters such as $ or & within a text box or
in a numeric field.
Helpful Hint Remember that screens in AHP Online must have some data entry every 15 minutes or the system will automatically log off. Save
frequently.
AHP Online: Guide for Sponsor Applicants 2017
AHP Online Application Process General Information
35
Application Details: Site Information
AHP Participants must specify whether the project is a single-site
or multi-site project and provide the address(es) of all known
sites. If the project will serve more than one state, please choose
Multi-state from the drop-down menu.
AHP Online: Guide for Sponsor Applicants 2017
AHP Online Application Process General Information
36
Application Details: Site Information
Address(es) Known Enter the address of the first (or only) site in the project. Fill in
the required information and click on the Update Site button.
This button will add the site to the site page.
If the project has multiple sites, click on Add Site again.
Complete the required information and click on Update Site after
each site addition. Add as many sites as the project includes.
When all sites have been added, save the page.
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If the page is not saved after sites have been added, the site
information will be lost and will need to be input again.
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Application Details: Site Information
ZIP+4 and Census Tract Lookup For each site, the AHP Participant must verify the ZIP+4 by
going to USPS.com and looking up the site address.
Once the ZIP+4 is entered and the AHP Participant clicks on
Lookup, AHP Online will automatically show the site census tract. The AHP Participant must verify that the census tract is
correct by going to FFIEC.gov. If the census tract shown for the
site in AHP Online is incorrect, call Community Investment at
800-544-3452, ext. 1173 before the application is Sponsor
Approved.
Homeownership Projects: Single-site homeownership
projects with multiple addresses (e.g., a condominium building with unit numbers) must add a site for each unit. The total
number of sites should equal the total number of unit addresses.
Donated or Discounted Sites: If a project site is donated or discounted, the AHP Participant must choose Donated or
Discounted from the drop-down menu on this screen.
Appraisal: An appraisal is required for the site to document acquistion cost if:
If there is any current or past financial or ownership interest
in the project site by the member;
If there is an identity of interest between the buyer and seller;
If the site is a foreclosure, real estate owned (REO), or a
short sale; or
If the site is discounted.
Appraisal is not required if the site is donated.
A third-party appraisal must be completed within 6 months of the earlier of the conveyance date or AHP application deadline. Property valuations including tax assessor’s valuation or an
independent comparative market valuation may be acceptable in lieu of an appraisal at the discretion of the Bank.
Short-Sale Projects: The FHLB defines a short sale as having
two characteristics: 1) the proceeds from selling the property are insufficient to satisfy the balance of the debts secured by liens against the property; and 2) the lien holder agrees to
release their lien on the real estate in exchange for less than the amount owed on the debt.
Number of Units: This indicates the number of units to be
built or rehabilitated. It should be the final number of units at completion for each site added.
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Application Details: Site Information
Single-Site Project With Unknown Address Projects with an unknown site address should indicate an
address near the anticipated site location.
If an address is not available, the AHP Participant must enter a
five-digit ZIP code (mandatory) for the area closest to the
anticipated project site.
If an intersection is used as the closest address to an unknown
single site and the ZIP+4 is unknown, the AHP Participant
should locate the closest address to the intersection to find the
ZIP+4 on USPS.com.
Once the ZIP+4 is entered and the AHP Participant clicks on
Lookup, AHP Online will automatically show the site census
tract. The AHP Participant must verify that the census tract is
correct by going to FFIEC.gov. If the census tract shown for the
site in AHP Online is incorrect, call Community Investment at
800-544-3452, ext. 1173 before the application is Sponsor
Approved.
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Application Details: Site Information
Multi-Site Project With Unknown Addresses Projects with multiple unknown sites should indicate an address
near the middle of the anticipated target area. This may be the
sponsor address if it is in the target area. The address must
include the ZIP+4.
ZIP+4 and Census Tract Lookup The AHP Participant must verify the ZIP+4 by going to
USPS.com and looking up the representative site address.
Once the ZIP+4 is entered and the AHP Participant clicks on
Lookup, AHP Online will automatically show the site census tract. The AHP Participant must verify that the census tract is
correct by going to FFIEC.gov. If the census tract shown for the
site in AHP Online is incorrect, call Community Investment at
800-544-3452, ext. 1173 the application is Sponsor Approved.
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Application Details: Site Information
If the page is not saved after sites have been added, the site information will be lost and will need to be input again.
After information is saved, click on Next.
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Application Details: Site Parcel Information
The Site Parcel Information screen must be completed for each
site for which Donated or Discounted was selected on the Site
Information screen.
If there is nothing to save on the Site Parcel Information screen,
it is still necessary to click on the Save button to complete the
screen. Once the information has been saved, click on Next.
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Application Details: Site Parcel Information
The Site Parcel Information screen must be completed for each
site for Donated or Discounted property added on the Site Information screen.
Click on the Action Edit to insert the Site Parcel Information for
each donated or discounted site.
Input information for all required fields, then click on Update Site Parcel. If the Update Site Parcel button is not clicked, the
information will not update or save.
Once each address with donated or discounted property is
complete, click on Save.
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Application Details: Fair Housing
Fair Housing: The project must comply with applicable fair
housing laws and regulations. To evidence compliance, AHP Participants must provide a statement and/or describe activities that demonstrate that the sponsor will provide fair and equal
access to the project and/or program. For projects, this may include targeted outreach efforts to the persons/populations
least likely to apply for the housing, ongoing fair housing training for staff, referral agreements with organizations serving underserved populations, and comprehensive marketing. For
programs, this may include encouraging banks and other lending organizations to lend in areas that are underserved and to provide services to underserved populations and/or use
nontraditional methods for evaluating credit and loan amount terms based on cultural differences and other individual factors;
it may also include the targeted outreach efforts described above.
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Application Details: Subsidy Amount and Uses of Funds
Rental
Homeownership
The AHP grant amount may not exceed the current year AHP
subsidy per project limit.
Select at least one Uses of AHP Funds. If Other is chosen, the applicant
must contact Community Investment to determine whether the proposed
use is eligible.
For Homeownership proejcts, if the project provides Assistance with
Acquistion Costs, the form of assistance must be identified.
The FHLB requires a retention agreement or a mortgage for each AHP-
assisted unit. The form of the agreement must be specified. Any form other than the Standard FHLB Retention Agreements must be approved by Bank
counsel.
If the application has been submitted to other Federal Home Loan Banks, or
was previously submitted to the Des Moines Bank, information must be
provided.
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Sponsor and Member Information
You can edit or update Sponsor or Member information in
General Information. The Sponsor and Member Information
section reflects Lead Contact, Input Contact, and Member
information previously input. Please review the screens for accuracy. The Lead Sponsor Contact may change the Lead
Sponsor, Input Contact, and Member information.
If the Lead Sponsor is changed to another organization, the
current Lead Sponsor Contact will no longer have access to this
application.
If the AHP Participant completing the application is an Input
Contact, these screens will be read-only as he or she cannot
change this information.
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Sponsor and Member Information
You can edit the Input Contact, or add one if a Contact had not been identified when initiating the application. The Input Contact will
need to register and established a User ID, so that you search for them through their Organization Name.
You can edit the Member Contact, adding new Contacts if they have been assigned by the Member.
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Member Involvement Information
The two Member Involvement Information screens will be completed by the Member Contact during the Member Approval
process.
If the application’s status is Pending, these screens will be read-only for the AHP Participant.
Click on Next to move through these screens.
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Donated Property: Donation Information
If a project includes donated and/or discounted property and the
sites are known, the AHP Participant must have indicated
Donated or Discounted for each address on the Site Information screen. In addition, the Site Parcel Information screen must be
complete.
For Donated points, an AHP Participant must answer Yes to the
first question on the screen. For Discounted points, the second
question must be answered Yes. If the project will include both donated and discounted property both questions must be
answered Yes.
For donated units, identify either the number of units, or the
square feet of land that is donated.
The “Total number of units in the project claimed in Targeting”
field is auto-filled based on the number of units filled in on the
Targeting screen. This field will indicate “0” units until the
Targeting screen is completed later in the application process.
If there are no donated or discounted properties answer No.
After completing all required fields click on Save then click on
Next to move forward in the application.
NOTE: Total square feet of land is a required entry, even if units
are donated and used to calculate donation. If a project does not
have site control, provide an estimate of the total square feet of
land in the project.
In this example 100,000 square feet of land is donated. It is the
same as the total square feet of land in the project.
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Donated Property: Donation Information
In this example, 10 properties are being conveyed to the project
at a discounted price of $400,000. The 10 properties have a fair
market value of $1,000,000.
Note that the number of units claimed in Targeting is “0”. The
“Total number of units in the project claimed in Targeting” field
is auto-filled based on the number of units filled in on the
Targeting screen. This field will indicate “0” units until the
Targeting screen is completed later in the application process.
Helpful Hint Do not enter $ in the numeric fields.
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Donated Property: Donated/Discounted Evidence
All evidence of donated and/or discounted properties must be
attached as one PDF file. After attaching the PDF file, click on
Save to successfully save the attachment.
Federal Government Properties: For properties donated or conveyed by the federal government, attach evidence of the transaction or evidence of a commitment for a future conveyance. The documentation must identify the federal
government or the federal agency/instrumentality conveying the land or units.
Donated Properties: For donated properties, attach evidence of donation, including commitment to donate and documentation of conveyance if that has occurred. Evidence of
commitment to donate must reference the specific site(s), the date or anticipated date of the donation, and any condition(s)
the donation is contingent on, and must be signed by the donor. If conveyance has occurred, donated property must have been conveyed within three years prior to the AHP
application deadline, or five years at the discretion of the Bank if the property is vacant or abandonded or difficult to develop.
If the AHP Participant is applying for Donated points based
on donated square feet, documentation verifying the donated square feet and total square feet in the project must also be attached.
Discounted Properties: For discounted properties, attach a
third-party appraisal or other satisfactory “as-is” property valuation in the Application Details/Site Control tab. Attach documentation of conveyance here, including the actual
purchase price and the date or anticipated date of the conveyance. The “as is” property value will be compared with
the purchase price of the property to calculate the discount. The discounted property must have been conveyed within three years prior to the AHP application deadline, or five years at the
discretion of the Bank if the property is vacant or abandonded or difficult to develop.
Helpful Hint Long-term leases of 15 years or more with a
nominal annual rent payment of no more than $100 qualify as donated. If applicable, provide a copy of the lease specifying the term and
amount of any lease payment.
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Sponsorship by Nonprofit: Ownership Structure—Rental Projects
LP/LLC/GP If the project is a Limited Partner, Limited Liability Company, or
General Partner, the top two tiers of ownership must be identified
on the screen.
The percentage of ownership must equal 100% at each tier or an
error message will appear.
All tiers of ownership must be identified on the Project
Ownership Chart, which the AHP Participant must
upload to the screen. The form is available on the Bank’s public
website at: http://www.fhlbdm.com. See Affordable Housing
Products - Competitive Application & Resources
Helpful Hint The AHP Participant may edit or remove
organization information by clicking on Edit or Remove in the Action column.
Helpful Hint To add organizations that are part of the LP
and GP, click on Add Limited Partner and Add General Partner. Fill in the required information and click on Update Limited
Partner or Up- date General Partner.
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Sponsorship by Nonprofit: Ownership Structure—Rental Projects
Important Required Eligibility Information: For
rental project applications to be considered eligible, the Ownership Structure screen must be completed and a completed Project Ownership Chart must be attached, regardless of whether the AHP Participant intends to apply for Sponsorship by Nonprofit points.
Helpful Hint The sponsor must be the owner(s) of the
rental project or must have an ownership interest (including any partnership interest) in the entity that is the owner of the rental
project. Failure to clearly identify ownership interest on the Project Ownership Chart may cause the application to be deemed ineligible.
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Sponsorship by Nonprofit: Ownership Structure—Rental Projects
Wholly Owned or Multiple Partners Identify every partner and their ownership interest by clicking on
Add Wholly Owned Partner for each partner. Fill in the required fields and click on Update Wholly Owned to add the partner.
The sum of ownership interest for all partners must
equal 100%.
The AHP Participant may edit or remove organization
information by clicking on Edit or Remove in the Action
column.
Important Required Eligibility Information: For rental
project applications to be considered eligible, the Ownership Structure screen must be completed and a completed Project Ownership Chart must be attached, regardless of whether the
AHP Participant intends to apply for Sponsorship by Nonprofit points.
Helpful Hint The sponsor must be the owner(s) of the rental project or must have an ownership interest (including any partnership interest) in the
entity that is the owner of the rental project. Failure to clearly identify ownership interest on
the Project Ownership Chart may cause the
application to be deemed ineligible.
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Sponsorship by Nonprofit: Organization Information–Rental Projects
Rental Projects AHP Participants applying for Sponsorship by Nonprofit must
complete the Sponsorship by Nonprofit: Organization
Information screen.
In order for a nonprofit organization to receive points for
nonprofit status, the applicant must evidence nonprofit status by
attaching a nonprofit determination letter from the Internal
Revenue Service. Qualifying government entities or housing
authorities are not required to attach evidentiary documents.
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Sponsorship by Nonprofit: –Homeownership Projects
Homeownership Projects
In order for a nonprofit or government
organization to receive points for sponsorship, the applicant must demonstrate to the satisfaction of the
Bank that it is integrally involved in at least two of the three roles described, and
evidence nonprofit status by attaching a nonprofit determination letter from the Internal Revenue Service. Qualifying
government entities or housing authorities are not required to attach evidenciary documents.
To complete the Homeownership
Sponsorship by Nonprofit screen, check
off integral activities of the sponsor.
Click on Add Organization. Provide
information on the organization type and
explanation of activities. Upload nonprofit
evidence of nonprofit status. After
completing the required fields, click on
Update Organization. After updating, make sure to Save the screen or the
information will be lost.
Helpful Hint The Organization added as Sponsor must be the same
as that associated with the Lead Sponsor Contact identified in the application.
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Targeting
Important If the AHP Participant leaves any blank fields in the Targeting
grid, AHP Online will generate an error message. Enter “0”
in all fields where the number of units is zero.
Homeownership Requirements For Homeownership projects, all AHP-assisted households
must be <80% AMI. The Number of Units field for “Greater
than 80% AMI” is locked for all homeownership projects.
All other fields must be completed.
Rental Requirements For Rental projects, at least 20% of the units must be
occupied by, and affordable for, households <50% AMI.
Failure to commit to the required minimum may result in
the application being deemed ineligible.
Helpful Hint For Rental projects: If the project is currently occupied, the current tenant demographic must equal or exceed this commitment.
Helpful Hint AHP Online will return an error message
at Sponsor Approval if the rental and homeownership targeting does not meet the requirements.
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Housing for Homeless Households
Homeless households are defined by FHLB Des Moines as:
A household made up of one or more individuals, other than
individuals imprisoned or otherwise detained pursuant to state or
federal law, who: (1) lack a fixed, regular, or adequate nighttime
residence; or (2) have a primary nighttime residence that is: (a) a
supervised publicly or privately owned operated shelter designed
to provide temporary living accommodations (including welfare
hotels, congregate shelters, and transitional housing for the
mentally ill); or (b) a public or private place not designed for,
or ordinarily used as, a regular sleeping accommodation for
human beings, including a car, park, abandoned building, bus
or train station, airport, camping ground, etc. (3) Additionally,
households will be considered to be homeless if they: (a) are
fleeing or attempting to flee domestic violence or other
dangerous or life threatening conditions; (b) will imminently lose
their housing, including housing they own, rent, or live in without paying rent or are sharing with others; or (c) are
“doubled-up” temporarily in another household’s dwelling unit.
Additional information is available in the AHP Implementation
Plan.
Helpful Hint For Rental projects: The pool of tenants a project with existing tenants at the time of
application can draw from is limited to those tenants who were homeless when they moved into the project on or after a date one
year prior to the application submission date.
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Promotion of Empowerment
All projects including empowerment service must attach a Memorandum of Understanding (see Exhibits). The form is available
on the Bank’s public website at: http://www.fhlbdm.com. See
Affordable Housing Products - Competitive Application & Resources
It must be signed by the sponsor, and signed by any third party
service provider if applicable.
Only one file may be uploaded per empowerment service, so the
MOU(s) and any supporting documentation must be combined into a
single PDF file.
Supporting documentation may include a brochure, annual report, or
website screenshot detailing the services to be provided to the
assisted households,,or a service plan including detailed descriptions
of services the sponsor will provide to the assisted households .
Helpful Hint Be careful to click on Save after each Empowerment Technique is selected and after
attaching the Memorandum of Understanding (MOU) for each Empowerment Technique chosen. If you do not save after selecting an
Empowerment Technique and attaching an MOU, you may lose your information.
If evidence for an Empowerment Technique is attached to the wrong service, points may not
be awarded for that particular service.
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First District Priority: Special Needs
Required Information Identify the number of special needs households (units) that
will be served by the project.
Units should not be double-counted if that unit qualifies
under more than one special needs category or there is more
than one special needs person in the household..
Provide a description of referral sources and sponsor
history of serving households with special needs. The
Sponsor must demonstrate how it will meet the special needs commitment.
Helpful Hint If the applicant fails to click on Yes, the project will not receive points.
Helpful Hint The individual with the qualifying special need(s) is not required to be the head of the household.
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Second District Priority: In-District, Native American Housing, Farm Worker Housing
There are several scoring priorities included in the Second District priority, discussed on this and the following page. Answer
Yes if you wish to receive points in any of these categories. In text boxes explain how the project will qualify. Attach supporting documentation.
To receive points in this Priority a project may include:
In-District: Click on Yes if 100% of the project is located within the district of the FHLBDM including Missouri, Iowa, Minnesota, North Dakota, South Dakota, Montana, Wyoming, Utah, Idaho, Washington, Oregon, Alaska, Hawaii, Guam, American Samoa, or the Northern Marianas Islands. If an applicant clicks Yes and sites have been identified on the Site Information page, they will populate on this page. If an applicant clicks on Yes but the project is not located in these states per the Site Information page, an error will appear on the Sponsor Approval screen and the sponsor will not be able to Sponsor Approve the application Native American Housing Housing project: An eligible project must (1) include Tribal Funding in the sources of funding for the proposed project,
such as, but not limited to, Indian CDBG, Indian CSBG, Indian Health Service funds or NAHASDA funding, or (2) the project owner or sponsor must
be a Tribal Government, an agency of Tribal Government, or a corporation or a limited liability entity incorporated under Tribal Ordinances, or (3) be located in an Hawaain Home Lands project area.
A Tribal Government may include a Federally Recognized Tribe or an Alaska Village or Regional Corporation.
Farm Worker Housing: Housing projects where at least 50% of the units are for reserved for households that meet the Federal or state definition of farm worker
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Second District Priority: Preservation of Rental Housing, Rental New Construction, Homeownership New Construction
Rental
Homeownership
Answer Yes if you wish to receive points in any of these categories. Attach supporting documentation.
Preservation of Federally Assisted Housing:
Points will be awarded for the preservation of rental housing currently receiving HUD Section 8 project based rental assistance, Public Housing Authority/Housing and Rehabilitation Authority
(PHA) owned units, HUD 202 or 811 projects, or U.S. Department of Agriculture Rural Development (RD) 514, 515 or 516 projects or existing FderalLow Income Housing TaxCredit (LIHTC) units of rebtal housing. This includes Public Housing
Authority/Housing and Rehabilitation Auhtority (PHA) units being sold to a non-profit and financed with Low Income Housing Tax Credits (LIHTC)..
Rental New Construction: This includes rental new construction projects with 24 units or less.
Homeownership New Construction: Points are
awarded for sponsor-driven new construction of homeowership units. See the AHP Implementaion Plan on the Bank’s website for requirements of a sponsor-driven project.
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Community Stability
Adaptive Reuse: A project in which 100% of the units are Adaptive Reuse is eligible for points. Adaptive Reuse is conversion of a building from a non-housing use to a
housing use. For example, a warehouse converted to apartments or condominiums, a hotel converted to apartment units other than overnight shelter units, school houses converted to apartments, or convents and monasteries converted to a housing use for the general
public.
Vacant or Abandonded: A project in which 100% of the units are the rehabilitation, or demolition and new
construction, of vacant or abandoned properties is eligible for points. A vacant or abandoned property is one that is chronically vacant and uninhabitable, that because of its poor physical condition is a public nuisance or constitutes a blight on the surrounding area, or is in
violation of the applicable housing code such that it constitutes a substantial threat to the life, health, or safety of the public. Vacant lots are not eligible.
For homeownership projects this would include single family buildings that have been abandoned when mortgage or tax foreclosure proceedings have been initiated for that property.
Consumer-Driven Owner-Occupied Rehabilitaion: Homeownership projects where 100% of the units are provide owner-occupied rehabilitation services may be eligible for points. Eligible projects must provide substantial rehabilitation, over $10,000 or over $20,000 per unit, as applicable. Award of points is based on the hard cost of rehabilitation. All units in the project must meet the targeted cost threshold.
Documentation Requirements:
Applicable projects must provide information in the Application Details-Project Description that demonstrates how the project meets these
requirements. In all cases, award of points is at the discretion of the Bank, subject to review of applicable documentation.
For Adaptive Reuse projects sponsors will be asked to provide documentation that evidences the current non-housing use of the property.
For Vacant or Abandonded projects sponsors wll be asked to provide documentation that properties meet the Bank’s defintion. This might include an affirmative market study, appraisal, or capital needs assessment, or documentation of a municipal action against the property to cure public nuisance or blight.
For homeownership properties meeting the commitment for Vacant or Abandonded through rehabilitation of foreclosed property or property acquired by tax sale, this evidence must include
documentation of foreclosure ot tax sale. See The AHP Implementaion Plan for defintion of foreclosure.
Owner-occupied rehabilitation projects do not need to attach supporting documentation; however, they must
demonstrate operational feasibility in the Financial Feasibility Spreadsheet (see Exhibits). Rehabilitation cost must be sufficient to ensure all units in the project meet the scoring threshold. The Bank
erequires rehabilitation cost exceed the amount of the scoring threshold by at least 10%. Budgeting the threshold amount does not demonstrate operational feasibility.
Important! Homeownership projects including Adaptive Reuse and Vacant or Abandoned must be Sponsor-driven projects. The sponsor must be integrally involved in the project by exercising control over development activities including acquisition of land and/or buildings, the construction or rehabilitation of units, and sale of the completed units to owner-occupant homebuyers.
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Community Stability - continued
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Helpful Hints for Completing the Financial Feasibility Spreadsheet
The Total Project Costs under the Summary of
Uses tab must equal the Total Funding Sources under the Sources tab.
The total AHP subsidy amount on the Subsidy
Amount and Uses of Funds screen in AHP
Online must match the total subsidy amount
requested under the Instructions tab of the Financial
Feasibility Spreadsheet.
For homeownership projects: The total amount
of AHP subsidy used for homeownership counseling costs on the Subsidy Amount and
Uses of Funds screen in AHP Online must match the
total amount of AHP subsidy used for homeownership
counseling costs under the Summary of Uses tab of the
Financial Feasibility Spreadsheet.
Be sure to note that under the Cost Breakout
tab of the Financial Feasibility Spreadsheet,
there are separate lines for projects that only
involve acquisition (for homeownership projects, these
are consumer driven down payment). Do not complete
the acquisition-only lines if the project involves new
construction or acquisition rehabilitation (for
homeownership projects these are sponsor driven new construction or acquisition rehabilitation).
If the project is receiving tax deferment or
abatement, the operating pro forma should
reflect only the years for which the deferment
or abatement is in effect.
For rental projects: If the sponsor is providing
supportive services that are integral to the
overall success of the housing and tenants,
complete the supportive service operating pro forma.
For rental projects, if the project includes a
commercial component, complete the Financial Feasibility Spreadsheet to include commercial
development costs, sources, and operation pro forma. For
homeownership projects, if the projects include a
commercial component, sponsors should provide their
own commercial costs and sources document and upload
it to the Feasibility Import Spreadsheet screen in the
AHP Online. (It can be included in the upload of
project’s photographs).
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Financial Feasibility: Import Spreadsheet
Financial Feasibility Spreadsheet, Construction Cost Calculator, Site and Floor Plans, and Project Photos In the Feasibility section of the application, AHP Participants
must provide detailed financial information regarding the project’s
development costs, and sources of funds, and for rental
projects the rental income and operating costs. These details are captured in the Financial Feasibility Spreadsheet.
Separate Spreadsheets are available for homeownership and
rental projects. The forms are available on the Bank’s public
website at: http://www.fhlbdm.com. See Affordable Housing
Products - Competitive Application & Resources
In the Financial Feasibility Spreadsheet, follow the directions
provided under the Instructions tab and elsewhere in the
Spreadsheet. Specific directions must be followed in order to
successfully import the Financial Feasibility to AHP Online.
On this page you would also upload:
Construction Cost Calculator (required for
rental and for homeownership projects including
new construction or rehabilitation)
floor plans and site plans (optional but
recommended for new construction projects),
project photos (optional, can include photos of
site)
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Financial Feasibility: Import Spreadsheet
When the Financial Feasibility
Spreadsheet is imported the data
extracted will be displayed on the
page. Until this page is saved, the
data is displayed as view only.
After the AHP Participant clicks on
Save, the Financial Feasibility
Spreadsheet, and Project
Construction Summary if
applicable, will be uploaded and
stored to AHP Online.
NOTE: This display is for a
consumer –driven homeownership
project. The data extracted for a rental project is different and that
will be reflected in the values
displayed.
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Financial Feasibility: Feasibility Analysis
The Feasibility Analysis screen will
populate using the information provided
on the Financial Feasibility Spreadsheet.
The analysis is based on whether or not
the project budget exceeds one or more
of the feasibility guidelines outlined in
the AHP Implementation Plan, or more
information is needed on one of the
guidelines.
NOTE: The Feasibility Guidelines tab in
the Financial Feasibility Spreadsheet
will also indicate whether a value is
outside of guidelines before the
spreadsheet is uploaded.
An explanation is required for each item that is displayed. The sponsor will not
be able to Sponsor Approve an
application until feasibility item
requiring explanation is completed.
For each feasibility item requiring
explanation, please click on the Explain link under the Action column. After an
explanation is entered, click on Update Feasibility Issue. The Explained column
will show Yes or No.
If the column indicates No for a
particular feasibility issue, it means the
issue has not been explained and saved.
Once all issues are explained, please
Save the page and click on Next.
or,
To remove a feasibility issue, the
exception can be corrected in the
Financial Feasibility Spreadsheet. The
corrected Spreadsheet must be re-
imported on the Import Spreadsheet
screen. A previously imported
Spreadsheet can be removed to import a
corrected version.
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Financial Feasibility: Feasibility Analysis If the Project Does Not Have any Feasibility Issues
If there are no feasibility issues, the following message will be
displayed: “No feasibility issues were found. No action is required on this tab.”
The screen must be saved even if there are no feasibility issues
identified for the project.
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Financial Feasibility: Commitment Letters - Rental
For rental projects, if a project source is listed as committed
under the Sources tab in the Financial Feasibility Spreadsheet, the
Commitment Letters screen will display the committed source(s)
and require the AHP Participant to attach a commitment letter for
each committed source.
For each committed funding source, click on the Attach link
under the Action column and upload the corresponding funding
source commitment letter. After uploading, click on Update Commitment Letter.
To remove a committed funding source, the Financial Feasibility
Spreadsheet must be corrected (the source must be changed to
uncommitted) and re-imported on the Import Spreadsheet screen.
If the project has committed construction financing, evidence
of the commitment(s) must be uploaded on this screen.
Additionally, if the project is expected to receive or apply for
LIHTCs, but has not yet received a reservation of LIHTCs, a letter
of interest for the equity must be uploaded as part of the
construction financing upload.
If a Rental project is existing occupied with no displacement, a
Tenant Rent Roll must be uploaded on this screen. Select
Application as the Project Status in the first drop-down menu to display pertinent information.
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Financial Feasibility: Commitment Letters - Rental
Upload all permanent financing commitment letters, and
construction financing commitments. Also, upload a Tenant Rent
Roll, and for projects anticipating the use of LIHTCs that do not
yet have a reservation, upload a letter of interest from an equity
source with the construction financing commitments.
Once all necessary documents have been uploaded, save the
page and click on Next.
Commitment Letters: Evidence of a firm commitment must indicate the source and amount of the funding, must specify the
dates of the commitment and of the expiration, and must be documented by a letter, grant, or loan agreement, or other executed documents provided by the funding source.
For Projects Utilizing LIHTC: Projects without LIHTC award are
eligible to apply for an AHP subsidy; however, should the application score high enough to receive an AHP award, it will be
made conditional on receipt and evidence of an LIHTC award.
For projects financed with LIHTCs, submit evidence of LIHTC reservation and an interest or commitment for equity. If the project has not yet received a reservation of LIHTCs, a letter of
interest from an equity source must be uploaded as part of the construction financing upload.
Direct equity contribution(s): Funds committed by the
sponsor. the owner or the general and/or limited partner(s) must be evidenced by a letter from the entity; the letter must indicate the amount of the contribution(s).
Helpful Hint Amounts indicated on financing commitment
documentation should match the Sources statement on the Financial Feasibility
Spreadsheet.
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Financial Feasibility: Rehabilitation Information - Homeownership
For homeownership projects including rehabilitation, all questions on the Rehabilitation Information screens must be completed.
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Financial Feasibility: Rehabilitation Information - Rental
Rental Rehabilitation Documentation of the project’s proposed
scope of work (or statement of work) is
required for any rental rehabilitation
project.
A scope of work must be completed and
attached to the Rehabilitation
Information screen. FHLB Des Moines
does not have a required format for the
scope of work/statement of work.
If your project is a USDA RD project you must also complete and attach the
USDA RD Section 515/515/516
template. This is a Bank provided form.
The form is available on the Bank’s
public website at:
http://www.fhlbdm.com. See Affordable
Housing Products - Competitive
Application & Resources
A capital needs assessment may also be
attached if available.
Combine any additional description of
cost with the Rehabilitation Scope
Checklist and upload as one document.
Existing Reserves and Financing For projects that have existing reserves, provide balances. For projects that are
rehabilitation only, provide information
on existing financing. To add an
existing loan, fill in the required fields
under Add Loan and then click on
Update Loan. The AHP Participant may add as many loans as necessary. Be sure
to click on Save after adding loans.
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Displacement
Costs associated with displacement and relocation must be
identified in the Financial Feasibility Spreadsheet under the
Summary of Uses tab.
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Sponsor Role
If the sponsor applied for points under Sponsorship by Nonprofit,
the same roles identified there should be identified on this screen.
If Other is chosen, specify the role in the text box. The maximum
length is 50 characters.
Sponsor Experience Template: A sponsor must complete and import the Sponsor Experience Template. The template may be found at http://www.fhlbdm.com. See Affordable Housing
Products - Competitive Application & Resources
Sponsors will be evlautated based on previous experience . In addition, sponsors of previously approved AHP projects will be
evaluated on:
AHP project milestones, including subsidy draw-down, project completion, and timely submission of compliance reporting and long-term monitoring;
Event(s) of non-compliance, including type and frequency of event(s) of non-compliance, timeliness of communication by sponsor, and remediation efforts; and
Project commitments (progress made toward meeting
approved AHP project commitments).
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Primary Developer
If the sponsor is not the primary developer, the applicant must
attach a completed Developer Experience Template. The form is
available on the Bank’s public website at:
http://www.fhlbdm.com. See Affordable Housing Products -
Competitive Application & Resources
If the sponsor has little or no previous affordable housing
development experience, the sponsor is advised to partner with
an experienced developer who will assume the primary developer
role in the project.
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Development Team
Important At least one development team member must be selected to move
forward with the AHP Online application.
The sponsor must click on Yes if persons or organizations
playing any of the roles have been selected. These may be
within the sponsor organization or outside contractors,
consultants, or property managers. For instance, if the sponsor
is also the property manager or a management company hired,
indicate Yes next to Management Company. If not applicable, or no selection has been made, indicate No.
Describe the team selection process in the text provided.
Each role must be checked Yes or No before the screen can be
saved.
Helpful Hint Sponsors who plan to partner with a third-party
vendor for compliance, monitoring, and reporting must identify the third-party organization in the Other role.
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Development Team
If the Sponsor is the Property Manager If the sponsor is also the project’s property manager or has
interest in the property management company, indicate the
sponsor’s ownership interest in the property management
company. The sponsor’s ownership interest must be included in
the comment box along with the company’s experience.
Team Members Click on the Edit link to complete the required team member
information.
Once all required fields are complete, click on Update Team Member and the Company Name, Person Name, and Telephone
Number will populate.
After all roles are edited, click on Save to save the information
and click on Next.
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Disclosure
Any outstanding compliance or performance issues, and any
relationships or conflicts of interest associated with the sponsor,
the member financial institution, or any of the members of the
development team, must be disclosed.
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Market Study—Rental Projects
The AHP Participant must address how the project will achieve
or maintain full occupancy and meet targeting commitments
despite any existing or planned affordable housing activity in the
area that may compete with the project for tenants.
A market study is requested, but not required, for AHP rental
projects. If a market study has not been prepared answer ‘No”,
Projects with an LIHTC award may submit a market study
completed within 18 months of the reservation, provided dated
evidence of the reservation is included with the application. If the
date of the study is more than 18 months prior to the AHP
application deadline, the applicant must also provide a reliance
letter from the firm that completed the original study, indicating
that the need and demand still exist for the project as proposed;
the letter must be dated within 18 months of the AHP application
deadline.
In the text box provided include:
If the project included occupied existing rental units provide historical
occupancy.
For all projects provide information about any competing or planned
projects and how these might affect demand. .
The number of units, unit mix, and income targeting detailed in the
market study should be consistent with what is proposed in the
application. If not, explain the discrepency.
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Market Study—Rental Projects
If the rental project does not have a market study for submission,
the AHP Participant must describe the local market conditions to
illustrate demand for the proposed housing.
The AHP Participant must attach information that details and
documents the need for housing in the development’s target
area.
Be sure to save evidence of demand as a PDF or ZIP file and
attach it to the Market Study screen as one document.
Need and Demand: An AHP Participant must demonstrate the need and demand for the project and/or program being proposed.
Need may be substantiated by local housing needs analyses (e.g., Annual Action Plans, community housing plans, neighborhood
revitalization strategies, etc.), comparison between cost of housing and wages, and/or local studies on housing quality and/or conditions (for rehabilitation programs). For all projects provide
information on any competing or planned projects and how this might affect demand.
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Market Study—Homeownership Projects
Homeownership projects are not required to submit an
independent third-party market study. If one was not prepared,
answer No. If one is available for the project, answer Yes and
attach it. If you answer Yes, in the text box provided include:
For all projects provide information about any competing or
planned projects and how these might affect demand.
The number of units, unit mix, and income targeting detailed in
the market study should be consistent with what is proposed in
the application. If not, explain the discrepancy.
NOTE: Information on occupied rental projects is not relevant to
a homeownership application.
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Market Study—Homeownership Projects
If no market study was prepared, the sponsor may describe the
need for subsidy and attach relevant documentation demonstrating
a market demand for the type of housing being developed. Save
market demand evidence as a PDF or ZIP file and attach it as one document.
Need and Demand: An AHP Participant must demonstrate the
need and demand for the project and/or program being proposed. Need may be substantiated by local housing needs
analyses (e.g., Annual Action Plans, community housing plans, neighborhood revitalization strategies, etc.), comparison between cost of housing and wages, and/or local studies on housing
quality and/or conditions (for rehabilitation programs). Demand may be substantiated by waiting lists for similar projects and/or programs, identifying the gap between the need and current
supply, and/or the sponsor’s performance history with similar
projects and/or programs. To the extent that other organizations are offering similar programs in the same geographic area, describe either how the need and demand necessitate both
programs, or how they are different enough not to be overlapping or duplicative.
Projects Involving Acquisition of Unidentified Sites If sites have not yet been identified for the project, the AHP
Participant must submit evidence that there is an adequate supply of
properties fitting the proposed characteristics and at the proposed
price points in the proposed service area; evidence may include
information from the Multiple Listing Service.
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Project Timeline— Rental
Complete the Project Timeline Template and attach it to the Project Timeline screen. The form is available on the Bank’s public website at: http://www.fhlbdm.com. See Affordable Housing Products - Competitive
Application & Resources
Site Control and Zoning Site control documentation is required for rental projects and homeownership
projects with identified sites.
If a project with unknown sites does not have site control or zoning in place, enter the date the project is expected to receive site control and zoning and the
process by which site control and zoning will be obtained.
All required fields must be complete to move forward in the application process.
Helpful Hint The initial draw date must be
within 12 months of the AHP award announcement.
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Project Timeline— Rental
Site Control: Submit current verifiable evidence that is consistent with the project timeline (e.g., a copy of an executed
deed, purchase option, sales agreement, ordinance, etc.), indicating that the
sponsor has site control of the proposed project site(s).
Zoning: Proper zoning for the project may be evidenced by one of the following:
A letter from the unit of local
government with zoning authority over the proposed site, or
A letter from a zoning attorney familiar
with the project.
A zoning map is typcially not acceptable evidence for a rental project.
Appropriate evidence for zoning variances is a letter from the unit of
local government with zoning authority that includes:
The former and new zoning
classifications,
Identification of the specific site,
Any contingencies or conditions, and
If the variance has not yet been approved, the date when it is expected
to be.
Application Complete
Application Complete
This is the last screen. The Application is complete. Click on Save on this page and then on Application in the top-right corner.
Helpful Hint Site control must be in the name of an entity that appears within the Project Ownership Chart.
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Project Timeline— Homeownership Sponsor-driven projects
AHP initial draw date cannot be prior to the date of the AHP
award (after November in the year of application.)
The date 100% of financing is committed is the date all interim
financing or permanent financing commitments other than
homebuyer mortgage is expected. Use the AHP initial draw date
if AHP is the only source of funds.
Project closing date is the date all financing commitments other
than homebuyer mortgages have closed. Use the AHP initial
draw date if AHP is the only source of funds.
Construction or rehabilitation start date is the start of any
construction or rehabilitation. If the project is acquisition only
enter the date the first home purchase is expected to close.
Complete construction or rehabilitation date is the date all
construction or rehabilitation should be complete. If the project is
acquisition only enter the closing date of the last home purchase.
Date of anticipated certificate of occupancy or substantial
rehabilitation is the date any required certification is obtained
after completion of construction or rehabilitation. If no
certification is required enter the complete construction or
rehabilitation date.
Stabilized occupancy date is the date all of the units in the project
are complete and occupied. For projects including purchase of a
single family home, enter the expected closing date of the last
home purchase.
If a project has site control attach evidence of site control and evidence of compliance with local zoning. See instruction
previous page. Homeownership projects may evidence zoning
compliance with zoning maps or assessor’s data. For projects
with unknown sites answer “no” and provide the date the project
is expected to receive site control and zoning and the process by
which site control and zoning will be obtained.
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Project Timeline— Homeownership consumer-driven projects
For all projects, attach a Project Timeline Template. Use the
Bank form located on the website, at
http://www.fhlbdm.com. See Affordable Housing Products - Competitive Application & Resources
Consumer driven projects do not have site control and will not have to answer questions about site control and zoning.
Application Complete This is the last screen. The Application Entry is
complete. Click on Save on this page and then on
Application in the top-right corner.
Helpful Hint Use this page to attach miscellaneous documents to the application. For Homeownership
projects, this should include sources and uses of funds for any commercial component of a project,
if applicable.
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Application Home Screen
On the Application Home screen,
the AHP Participant must verify
that each Status has a green
check mark.
If there are any yellow check
marks or red X’s, the AHP
Participant must return to those
sections of the application and
complete the information
necessary to finish the screens
and save with a green check
mark.
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Sponsor Approval
88
If the application is complete, one of the Lead Sponsor Contacts must choose Sponsor Approval under the Application tab.
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Sponsor Approval
89
When Sponsor Approval is chosen, the certification
information will appear on the screen.
The Lead Sponsor Contact must review the AHP certification,
check the box to certify, and approve the application by clicking
on the Approve button.
After Sponsor Approval, the Current Application Status
moves from Pending to Sponsor Approved.
The Member Contact will receive an email notification that an
application is awaiting Member Approval.
Helpful Hint To save a copy of the application as
submitted, the user should click on Print Application and save to a location of his or her
choosing. The application will save as a PDF.
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Member Approval (Completed by the Member)
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The Member’s AHP Authorized User (Member Contact)
associated with the application will be notified via email that the
application is ready for Member Approval.
The next few pages describe the process of how a member may
approve an AHP Application in AHP Online. To begin, the Member
Contact must access the AHP Online. They can do this in two
ways:
1) Via the AHP Online login at https://ahp.fhlbdm.com.
This method should be used by any Member Contact
who has AHP only authorization (i.e. they are not given
permissions to access eAdvantage).
2) Via eAdvantage by clicking the AHP Online link found
in the eAdvantage home page. This will only be visible
to eAdvantage Users with both eAdvantage and AHP
authorization. See the following page for access through
eAdvantage.
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Member Approval (Completed by the Member)
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The Member Contact clicks on the AHP Online link from the
eAdvantage Home screen.
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All of the applications associated with this member will appear
on the Home screen in AHP Online.
Notice the status of each application. The member will only be
able to approve applications whose status is Sponsor Approved.
Click on the Application Number to open an application for
member approval.
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Member Approval (Completed by the Member)
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The Member Contact opens the Sponsor Approved application. On the Application Home page. The Member completes the two
Member Involvement Information screens.
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The Member Contact must complete the required fields before
the Member Policy screen can be saved.
Even if the Member Contact answers No to both questions, he or
she must click on Save to complete the screen.
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The Member Contact must complete the required fields before
the Member Services screen can be saved.
Even if the Member Contact answers No to the question, he or
she must click on Save to complete the screen.
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The member should return to the Application Home screen.
Once both the Member Policy and Member Services screens are
complete and saved they will display a green check mark on the
Application Home screen.
The Member Contact should review the completed AHP
application.
The Member Contact may do so by clicking on each link under
Description and use the Previous and Next buttons to navigate
through the application screens. The Member can also print an application and application attachments for review from links in
the right hand sidebar.
To Member Approve, the Member Contact should begin by
choosing Member Approval in the top-left corner of the
Application Home screen.
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To Approve Once the member is ready to approve, the following steps must
be taken:
• Read the AHP certification;
• Check the box indicating that the certification has been understood and read; and
• Click on Approve at the bottom of the screen.
To Reject If the member would like to reject the application and have the
sponsor make changes, the Member Contact should click on
Reject.
Helpful Hint To save a copy of the application as submitted, the Member Contact should click on Print
Application and save to a location of his or her choosing. The application will save as a PDF.
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Once the application’s status is Member Approved, the AHP
Participant and the Member Contact are unable to edit the
application.
At this point, the application is submitted to the FHLB for
review.
The member and sponsor are notified via email that the
application’s status has changed to Member Approved.
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Exhibits Developer Experience (Homeownership and Rental Projects)
99
AHP Online: Guide for Sponsor Applicants 2017
Exhibits Financial Feasibility— Homeownership
100
Instructions
AHP Online: Guide for Sponsor Applicants 2017
Exhibits Financial Feasibility— Homeownership
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Project Worksheet
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Cost Breakout
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Exhibits Financial Feasibility— Homeownership
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Summary of Uses of Funds
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Exhibits Financial Feasibility— Homeownership
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Needs Analysis
(all home buyers)
-
$ -
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Sources of Funds
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Feasibility Analysis
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Instructions
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Project Worksheet
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Operating Pro Forma Assumptions
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Operating Pro Forma Assumptions
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Operating Pro Forma— Housing
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Supplementary Operating Pro Formas
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Sources of Funds
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Cost Breakout
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Summary of Uses of Funds
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Group Home Projects
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Feasibility Analysis
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Exhibits Memorandum of Understanding
118
Memorandum of Understanding
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Exhibits Memorandum of Understanding
119
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Exhibits Memorandum of Understanding
120
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Exhibits Project Ownership Chart
121
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Exhibits Project Timeline
122
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Construction Cost Calculator
123
Construction Cost Calculator is for use with rental and homeownership projects including construction or rehabilitation.
Instructions – The first tab of the spreadsheet includes instructions for completion of the Cost Analysis
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Construction Cost Calculator
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Cost Analysis – Input data as instructed to complete cost analysis. For most items, chose from dropdowns. Enter total square feet and total hard cost of construction or rehabilitation (adjusted
development cost for rental projects) per Instructions.
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Construction Cost Calculator
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Scope – See Scope tab for definitions of project scope.
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Construction Cost Calculator
126
Quality – See Quality tab for definitions of project quality.
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Construction Cost Calculator
127
Example
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AHP Online: Guide for Sponsor Applicants 2017
Exhibits USDA RD Section 514/515/516 Template Feasibility Review-
129
AHP Online: Guide for Sponsor Applicants 2017
Appendix
130
Members Accessing AHP Online 1) Members must initiate their participation in the competitive
AHP round via eAdvantage.
2) The member executes the eAdvantage Services Agreement
and the Corporate Certificate of Authority and Certificate of
Incumbency. These documents are available on eAdvantage.
Choose Information and Documents, then Member Agreements and Instructions.
3) The member identifies an eAdvantage User Administrator.
4) The eAdvantage User Administrator assigns Authorized AHP
Users in eAdvantage.
5) Authorized AHP Users may access AHP Online via
eAdvantage or directly at https://ahp.fhlbdm.com.
AHP Participants Accessing AHP Online AHP Participants may access AHP Online by clicking on the
following URL, or copying and pasting it into their browser:
https://ahp.fhlbdm.com. AHP Online can also be accessed via a
link on the Bank’s public website at www.fhlbdm.com. See
Affordable Housing Products - Competitive Application &
Resources.
The AHP Online hours are between 6:30 a.m. and midnight CT
every day, including weekends and holidays. The FHLB reserves
the right to modify hours of operation and/or interrupt service at any time without prior notice to its customers if business or
technology dictates the disruption. AHP Online is programmed
with AHP Participants’ protection in mind and will automatically
log the user out if the page has been inactive for 30 minutes.
AHP Participants initiate an application, which includes
associating that application with a Member via the Member’s
Authorized AHP User. The member must be registered in
eAdvantage with Authorized AHP Users in order for an AHP
Participant to initiate an application. (Refer to “Members
Accessing AHP Online through eAdvantage” above.)
AHP Online Authorized User Access A User ID and password are required by AHP Participants and
members to access AHP Online. When establishing the User ID and password the Bank will collect basic demographic
information about each AHP Participant’s authorized user (“AHP
Online User”) in order to effectively communicate with him or
her.
Upon an AHP Online User’s initial login, the user will be asked
to select, and answer, three (3) security questions. If the AHP
Online User fails to select and answer the three (3) security
questions, the user may have subsequent login problems, which
may preclude the user from logging in to the system.
The AHP Online User will also be required to establish a
password. Passwords are valid for a maximum of 90 days and
must:
Contain a minimum of eight characters
Begin with an alpha character (a-z)
Contain a minimum of two alpha characters
Contain at least two numeric characters (0-9), preferably
embedded within the password instead of at the end
Not contain more than 2 consecutive characters of the user’s
account name
Not be similar to the previous four passwords
When a password expires, the AHP Online User will be prompted to change his or her password at the time of login. If a
password is forgotten, the AHP Online User may reset it through
AHP Online by clicking on the Forgot your password? link.
Each AHP Participant is obligated to immediately inform the
Bank, pursuant to the notice provisions of the AHP Services
Agreement, if it becomes aware of any compromise, theft, loss,
or unauthorized use of any of the login IDs and/or passwords
associated with any of its AHP Online users.
AHP Participant Authorization Recertification for Sponsors The Member and Sponsor Contacts are responsible for recertifying AHP Participant(s) associated with their respective
organizations on an annual basis. To recertify, log in to AHP
Online and confirm that the listed users are in the General
Information section on the Sponsor and Member Information
screen. The screen will list all contacts associated with an
organization that are approved and authorized for access to the
applications and/or projects with which they are associated.
Updates to Authorized AHP Users, profiles, and project contacts
may be made at any time throughout the year.
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Appendix
131
AHP Online Minimum Supported System Requirements The following minimum supported system requirements are
necessary to access and use AHP Online. If these requirements
are not met, users may not be able to log in to the site or access
all of the functionality that their role would otherwise allow:
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Privacy Policy In order to assist members of the Federal Home Loan Bank of
Des Moines (the “Bank”) with their required regulatory
compliance, the following guidelines are adopted to address the
privacy of confidential information which is received by the
Bank from or on behalf of members of the Bank (the
“Members”):
With respect to nonpublic personal information (as that term is
defined in the Gramm-Leach-Bliley Act) received by the Bank
from or on behalf of Members, appropriate administrative,
technical, and physical safeguards have been instituted to:
Maintain the security and confidentiality of such information;
Protect against anticipated threats or hazards to the security or integrity of such information; and
Protect against unauthorized access to or use of such information.
No nonpublic personal information which is received from or on
behalf of a Member is used by the Bank or disclosed to third
parties, other than uses and disclosures which are permitted by statutory or regulatory exceptions.
Third parties engaged by the Bank who have access to nonpublic
personal information received from or on be- half of Members
are required:
To comply with all applicable privacy laws;
To institute administrative, technical, and physical safeguards which
are consistent with those outlined in paragraph 1 above;
To limit their use of nonpublic personal information to the purpose(s)
for which it was provided to them; and
To release nonpublic personal information only as permitted by
statutory or regulatory exceptions.